我国国有银行和股份制银行X效率比较

X效率理论是近20年来在西方经济学界兴起的经济理论,它对于我国加强银行业内部管理,提高经济效率具有十分重要的意义。随着我国银行业逐步对外开放,尤其是加入WTO之后银行业保护期的日益临近,银行业的改革也进入到了关键时期,如何提高我国银行业的绩效和竞争能力,进一步提高银行业金融资源的配置效率,从而提高银行业的成本效率,将是政府和银行业改革者面临的当务之急。本文运用数据包络分析法对我国国有银行和股份制银行的技术效率,配置效率和成本效率进行测算,并分析其结果。

The Comparison of the Stated-owned Banks and Joint-stock Banks' X Efficiency

X efficiency theory is being on the rise in west economy in these twenty years,it has very important significance to managing and improving commercial efficiency in the inside of our banking industry.With our country banking opening,especially the banking protects scheduled time's after adding WTO,the banking reformation is also entered having arrived at the key period,how to improve our country banking achievement effect and competitiveness,improving allocation efficiency of banking finance resource,improving the banking cost efficiency,will be the government most important thing.In the paper,we will use the DEA to analyze the state-owened banks and the joint-stock banks'techology efficiency,allocation efficiency and cost efficiency.In the last,we will analyse the result.